Dental Insurance & Discount Plans
Individual & Family Dental Insurance & Discount Pans
Dental health plays a large role in your overall health. These plans are great for individuals, families and retiree's that do not have coverage through an employer. You may click on any of the links below and get a quote in seconds with all the carriers. If you need help with a dentist search, give me a call or use the "Contact Us" option. Please consult with me before making a purchase so I can make sure you understand the benefits.
Ameritas Dental & Vision
Ameritas PPO plans have coverage starting day 1 and a dentist network exceeding 500,000 Nationwide. I did a blog that goes into more detail about each option. Available in most states. If you enter a zip code and a plan does not appear, they do not offer coverage in that area.
- Ameritas Primestar $1000/$2000: Up to a $2000 annual benefit.
- Ameritas Protector Plus $2000: $2000 annual benefit, preventive care does not count towards it.
- Ameritas GPM $2500: $2500 annual benefit, preventive included in the $2500
- Ameritas Spirit $750 - $5000: The broadest range of plans going up to $5000 annually.
AFEUSA
- AFEUSA Association: Utilizing the Delta Dental Network (80% of dentists) this plan has a few unique features. All benefits start day 1 with NO WAITING PERIODS. Unused benefits carry over to the next year up to $2000 or $6000 depending on plan.
Delta Dental Insurance
Delta Dental PPO is one of the better known carriers and they provide excellent networks and quality plans. It's always best to utilize in-network providers for the best savings.
- Delta Dental AZ: (AZ Only) Great network in Arizona Simple to choose plans and solid benefits.
- Delta Dental OH, IN & MI: Great networks and simple benefits in Ohio, Michigan and Indiana.
Dental Care Plus Group / Dentaquest
Dental Care Plus group has a 6 month waiting period on basic services and a 12 month wait on major services. You will not see a more comprehensive basic service coverage with any other plan. What many companies deem a Major service, DCPG has it under Basic. Please contact me for rates & details. One of the best network of dentists to be found in OH, KY, & IN.
- Dental Care Plus Group: (IN, KY & OH) Dentist owned, you will likely find the best network in the areas they provide plans. The best basic benefits of all carriers, they start after 6 months. Preventive benefits start day 1. Vision discount plan included with policy.
Humana
- Humana offers 4 PPO plans in most states I am licensed. 3 of the 4 plans have no waiting periods. In addition, they have a vision plan. A PPO plans allow you to choose any dentist. However, you may incur higher cost using out of network dentist.
National General powered by Aetna Dental
- National General offers a variety of PPO Dental Insurance plans along with a discount plan utilizing Aetna Dental provider network. They offer a variety of plans with coverage starting day 1.
Dental Discount Plans
- Dental Discount plans are available in all 50 states for individuals, families and groups. Discount plans are not insurance, but give you access to the network discounts from 10%-60% on most procedures. Remember, you must use in-network providers. A few of the best features; no waiting periods, annual maximums and plans can start the next day. I reference these as the Costco or Sam's Club of dental savings. The annual membership is usually under $200 for a family. Ask me about discount codes before enrolling.
Usual & Customary Fee (PPO vs HMO)
Dental charges are Usual and customary for the area where such expenses are incurred. You are responsible for any coinsurance and the required deductible. It is important to note that if you have a PPO plan and choose to go to a non-network provider, your out-of-pocket costs will be based on the Usual & Customary charge. Anything your dentist might charge over that fee is your responsibility. With an HMO, you MUST use Dentists in the network.
Chris Ruhm-Insurance Advisor
Chris Ruhm-Insurance Advisor
Chris Ruhm-Insurance Advisor
I began my insurance career in 2000 and have helped 100's of people with Medicare solutions since 2008. I'm an independent agent that quickly learned being limited to one carrier was not in the best interest to my clients. I have quoting access to every carrier available in your market. I determine the best plan based off your needs.
Building Relationships
Chris Ruhm-Insurance Advisor
Chris Ruhm-Insurance Advisor
I have built solid relationships with Financial Planners, CPA's, Property & Casualty Agents and Human Resource Managers to name a few. Being specific in your field allows you to cultivate strong relationships with your clients and referral partners. I am licensed in 14 states and appointed with many insurance carriers to help protect your assets in retirement.
Insurance Stuff
This is a proprietary website and it's not, associated, endorsed or authorized by the Social Security Administration, the Center for Medicare and Medicaid Services, the Department of Health & Human Services or any State Departments of Insurance. I am not connected with the Federal Medicare Program.
Never cancel your current policy until your new policy is effective. Any changes to your health prior to coverage taking place needs to be reported to the insurance company, which may result in a policy not being issued.
The insurance company compensates me by helping you find a plan. Most importantly, I will never sell a policy based off an incentive or higher commission. I am a one person agency, you always get me when you call, text or email. I will not sell, solicit or share your information with any outside sources other than what may be involved with applying for coverage with a carrier and their privacy practices.